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  • No withdrawal fee
  • Easily check your account transactions with the monthly statement
  • Apply online to increase the limit anytime
  • Fast loan application approval and withdrawal in five minutes if you need cash quickly5
  • 1.9% p.a. introductory rate for the first 3 months (APR 1.91%)2
  • First-year annual fee waiver3
  • Enjoy up to HKD350 cash rebate for online applications4

More about this offer


1 The minimum monthly repayment amount will be calculated according to the formula set out in the Confirmation Letter.

2 For the first 3 months' introductory rate period, introductory rate is 1.90% p.a. and Annualised Percentage Rate (APR) is 1.91% for all approved credit limit. "First 3 months' introductory rate period" refers to the period from the date of loan disbursement to the third statement date of the respective account (both dates inclusive). The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Association of Banks, and is rounded up or down to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. Please refer to the interest rate table for respective APRs

3 An annual fee of 1% of approved credit limit per annum shall apply (up to a maximum of HKD1,000), subject to a first-year annual fee waiver.

4 To be eligible for up to HK$350 Online Exclusive Offer, an Eligible Customer must submit the Loan application via HSBC website www.hsbc.com.hk or HSBC Personal Internet Banking (each of these channels is referred to as “Online Channel”) and the Loan must be approved during the Promotional Period. An Eligible Customer is entitled to HK$200 cash rebate for approved Loan amount of HK$50,000 to less than HK$200,000, or is entitled to HK$300 cash rebate for approved Loan amount of HK$200,000 or above. An Eligible Customer is entitled to an extra HK$50 cash rebate if he/she submits supporting documents requested by the Bank for the Loan application via Online Channel and the approved Loan amount is HK$50,000 or above. Terms & Conditions apply.

5 Applications have to be submitted during the Bank's service hours (Mon-Fri: 9am-8pm, Sat 9am-1pm, except public holidays, or individual branch's opening hours) with all required information (including without limitation a valid HSBC banking account number) and documents. Actual turnaround time starts when all the required information is successfully input into the Bank's application evaluation system. Processing time may vary in some cases depending on the actual circumstances of individual applications.

How to apply

HSBC Personal Internet Banking customers

Log on

New customers or HSBC customers without Personal Internet Banking

Complete the online application

By phone

Application hotline
(852) 2748 8080


Video: How to apply online

How to apply online

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Personal Instalment Loan

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Contact us

By phone

Application hotline
(852) 2748 8080 (852) 2748 8080

HSBC Premier customers call
(852)2233 3322 (852) 2233 3322

HSBC Advance customers call
(852) 2748 8333 (852) 2748 8333

Other customers call
(852) 2233 3000 (852) 2233 3000

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